Unusual Insurance Claim of the Week 1

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Unusual Insurance Claim of the Week

In the course of an hour-long full-body massage, a therapist with years of experience gave her normal neck and shoulder massage. When the hour was up, the client thanked her and expressed encouraging words about her technique. Two days later, the client showed up at an emergency hospital clinic and was diagnosed with having a detached supraspinatus muscle.

The insurance claim filed against the massage therapist and paid by Massage Magazine Insurance Plus’s broker totaled $150,000.

Naturally, this is a very unusual happenstance. And no one knows for certain what the client did during the two days before he went to the hospital. But the claim was filed and it was determined the claim was credible. Payment was made.

Stanford Erickson

Editorial Director

MASSAGE Magazine

MASSAGE Magazine Insurance Plus includes professional liability insurance (malpractice) general liability insurance (trip and fall), product liability insurance, $2 million per occurrence, $3 million annual aggregate coverage, $2 million property aggregate coverage, $100,000 rental damage coverage, $15,000 identity protection insurance, $1,000 lost/stolen equipment coverage. All of this for $159per year plus members receive a FREE business website, FREE technique and business newsletter, FREE directory listing on www.MASSASGEmag.com and instant coverage.

Sign up now at www.MASSAGEMagIns.com or call 800-222-1110. Ask for Debra.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Equipment master policy is issued to Protection Plan Association, Inc. on behalf of its members.The ID Fraud master policy is issued to Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. d/b/a Massage Magazine Insurance Plus is the insurance partner for Massage Magazine and Protection Plan Association, Inc. members. Annette Ayers and Debra Aragon are licensed agents.William Gallagher Associates Insurance Brokers, Inc., Boston, MA, a 50-state licensed broker, is the broker for all coverage under the Massage Magazine Insurance Plus program.Coverage under the Massage Magazine Insurance Plus program is underwritten by certain underwriters at Lloyd’s of London, rated “A+” by Standard & Poors and Fitch Ratings and “A” by A.M. Best.